Appraisal Underwriter

THE TEAM: At Kind Lending, our family of diverse and talented Kind Ambassadors are the driving force behind our new approach to the mortgage experience. They're the heart and soul of the organization and our "People Before Profits" mentality shines through in every department. Kind Lending is growing and is looking for top mortgage professionals who value opportunity, lasting business partnerships, and who live out our KIND mindset. Kind Lending is determined to provide the best service in the industry while also providing homebuyers with a great selection of products to enhance their buying experience. Backed by our trusted leadership team, Kind Lending's friendly and professional model puts the “fun” in funding. Position Summary: We are seeking a meticulous and experienced Mortgage Appraisal Underwriter to join our mortgage operations team. This role is responsible for reviewing and analyzing property collateral to ensure it meets investor and agency guidelines, assessing appraisal reports, and validating property eligibility. The ideal candidate will have a strong understanding of mortgage underwriting principles, collateral risk assessment, and regulatory compliance. Proficiency in appraisal review and attention to detail are essential in this fast-paced, deadline-driven environment. Responsibilities:

• Review appraisal reports to ensure accuracy, completeness, and compliance with investor and agency guidelines.
• Evaluate property eligibility, market conditions, and comparable sales to assess collateral risk.
• Identify and resolve discrepancies in appraisal data, property characteristics, and valuation conclusions.
• Communicate with appraisers, processors, and underwriters to clarify appraisal findings and request revisions when necessary.
• Ensure all collateral documentation is properly stored, organized, and accessible for audits and investor reviews.
• Utilize automated valuation tools (AVMs) and collateral risk platforms to support underwriting decisions.
• Maintain knowledge of current investor guidelines, including Fannie Mae, Freddie Mac, FHA, VA, Non-QM, Jumbo and USDA requirements.
• Collaborate with underwriting and closing teams to ensure timely and accurate loan decisions.
• Prioritize and manage multiple loan files in a high-volume environment while meeting strict deadlines. Qualifications:
• Minimum 2 years of experience in mortgage underwriting or collateral review.
• Strong understanding of appraisal methodology, property valuation, and collateral risk assessment.
• Proficiency in reviewing appraisal reports and identifying red flags or inconsistencies.
• Familiarity with investor guidelines (FNMA, FHLMC, FHA, VA, USDA, Non-QM and Jumbo) and regulatory compliance.
• Experience with underwriting systems and collateral review tools (e.g., UCDP, Collateral Underwriter, Encompass).
• Excellent organizational skills and attention to detail.
• Strong written and verbal communication skills to interact with internal teams and external partners.
• Ability to work independently and manage multiple priorities in a fast-paced environment.
• Knowledge of mortgage loan products and underwriting processes is a plus. Pay Disclosure: The starting base pay range for this position is $35.00/hr. The actual base is dependent on many factors such as: work experience, business needs, market demands, and other compensation components. The base pay range is subject to change and may be modified in the future. Disclaimer Statement: This job description is not intended, nor should it be construed to be an exhaustive list of all responsibilities, duties, skills, or working conditions associated with a job. It is intended to be a general description of the principal requirements common to positions of this type. Work Authorization: Must be able to verify identity and employment eligibility to work in the U.S. without a visa sponsorship. Other Duties: This job profile is not intended to be an all-inclusive list of job duties and responsibilities, as one may perform additional related duties as assigned to meet the needs of the organization. Physical Demands: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Must be able to lift up to ten pounds. Primary functions require sufficient physical ability and mobility to work in an office setting; to stand or sit for prolonged periods of time; to occasionally stoop, bend, kneel, crouch, reach, and twist; to lift, carry, push, and/or pull light to moderate amounts of weight; to operate office equipment requiring repetitive hand movement and fine coordination including use of a keyboard; and to verbally communicate to exchange information. VISION: See in the normal visual range with or without correction. HEARING: Hear in the normal audio range with or w

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